A lot of times when the seller doesn't want to move the "stuff" out of the house, they'll leave it for you. They may ask for some money for it and usually it's added to the sales price of the house (there is a seperate form that lists the items left behind). The meat and potatoes of the contract will be suffice for the lender (house and appliances). The other stuff is irrelevant to the purchase.

There is FHA 203k that can finance appliances with required repairs or energy improvements to the home. Fannie Mae has a rehab loan similar to this loan, also Rural Development will finance repairs and upgrades to a home as long as the total price is within the appraised value. I hope this helps. Have great day!

fha203K works for "stuff" like kitchen appliances. Not for furnature though.